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my:health Suraksha
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HDFC ERGO General Insurance Company Limited
my:health Suraksha
Silver Smart, Gold Smart & Platinum Smart Plans
Key features of the policy:
u Multiple sum insured options ranging from Rs. 3 Lacs to Rs. 75 Lacs available under this policy *
u Any age entry option with lifetime renewal
u Exclusive covers like Air ambulance cover, Recovery benefit, Infertility cover
u Wellness features like Fitness discount@ renewal, Health incentives for maintenance of health
u Flexi benefits like choosing room rent capping, co pay in order to avail discounts on premium
u Various discount options to like family discount, long term policy discount, loyalty discount
u Long term policy options up to 3 years with attractive premium rate
u Option to pay yearly premium in 3, 6 and 12 equal installments
Coverage
SECTION A: HOSPITALIZATION COVER
Pays for Medically necessary hospitalization of an Insured Person due to Illness or Injury sustained or contracted during the Policy Period.
1. Medical Expenses
i. Room rent, boarding and Nursing charges
ii. Intensive Care Unit charges
iii. Consultation fees
iv. Anesthesia, blood, oxygen, operation theatre charges, surgical appliances
v. Medicines, drugs and consumables
vi. Diagnostic procedures
vii. The Cost of prosthetic and other devices or equipment if implanted internally during a Surgical Procedure.
Insured Person shall bear specified percentage of admissible Claim amount under each and every Claim If Optional cover of
Co-payment is opted for.
a. Mental Healthcare
Pays for Medical Expenses in case of hospitalization for any Mental Illness contracted during the Policy Period in accordance with
the Mental Healthcare Act 2017, subsequent amendments and other applicable laws and rules provided that:
i. The Hospitalization is prescribed by a Medical Practitioner for Mental Illness
ii. The Hospitalization is done in Mental Health Establishment
2. Home Healthcare
Pays for Hospitalization at home for Illnesses including but not limited to following Medically necessary treatment, if prescribed by
treating Medical Practitioner. We will pay Medical Expenses incurred for treatment of such Illness where opted.
u Gastroenteritis
u Bronchopneumonia
u Respiratory tract infection
u Chemotherapy
u Pancreatitis
u Dengue
u COPD management
u Hepatitis
u Fever management
This Cover can be availed through Cashless Facility only through our network service provider
Insured Person shall bear specified percentage of admissible Claim amount under each and every Claim If Optional cover of
Co-payment is opted for.
3. Domiciliary Hospitalization
Pays for Medical Expenses incurred on Domiciliary Hospitalization of the Insured Person provided that:
i. It has been prescribed by the treating Medical Practitioner
and
ii. the condition the Insured Person is such that he/she could not be removed to a Hospital
or
iii. the Medical Necessary Treatment is taken at Home on account of non-availability of room in Hospital
* Minimum Sum Insured of Rs. 1 Lac to Maximum Sum Insured of Rs. 5 Crore under this policy.
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Expenses incurred on Domiciliary Hospitalization in respect to following treatment are excluded under the Policy
a. Asthma, Bronchitis, Tonsillitis and Upper Respiratory Tract infection including Laryngitis and Pharyngitis, Cough and Cold,
Influenza,
b. Arthritis, Gout and Rheumatism,
c. Chronic Nephritis and Nephritic Syndrome,
d. Diarrhoea and all type of Dysenteries including Gastroenteritis,
e. Diabetes Mellitus and Insipidus,
f. Epilepsy,
g. Hypertension,
h. Psychiatric or Psychosomatic Disorders of all kinds,
i. Pyrexia of unknown Origin.
j. Post Hospitalization Expenses are excluded if Insured Person opts for Domiciliary Hospitalization
Insured Person shall bear specified percentage of admissible Claim amount under each and every Claim If Optional cover of
Co-payment is opted for.
4. Pre-Hospitalization cover
Pays for Medical Expenses incurred during the 60 days immediately before Hospitalization of an Insured Person, provided that
such Medical Expenses are incurred for the same Illness/Injury for which subsequent Hospitalization was required and Claim under
Hospitalization Cover is admissible under the Policy.
Where Insured Person has opted for Home Healthcaretreatment Pre-Hospitalization expenses are payable up to 60 days prior to
start of the Medical treatment.
Insured Person shall bear specified percentage of admissible Claim amount under each and every Claim If Optional cover of
Co-payment is opted for.
5. Post-Hospitalization cover
Pays for Medical Expenses incurred upto180 days from the day Insured Person is discharged from Hospital provided that such costs
are incurred in respect of the same Illness/Injury for which the earlier Hospitalization was required and Claim under Hospitalization
Cover is admissible under the Policy
Where Insured Person has opted for Home Healthcare treatment, Post Hospitalization expenses are payable up to 180 days post
completion of the medical treatment.
Insured Person shall bear specified percentage of admissible Claim amount under each and every Claim If Optional cover of
Co-payment is opted for.
6. Day Care Procedures
Pays for Medical Expenses on Hospitalization of Insured Person in Hospital or Day Care Centre for Day Care Treatment.
Insured Person shall bear specified percentage of admissible Claim amount under each and every Claim If Optional cover of
Co-payment is opted for.
7. Road Ambulance
Pays for expenses incurred on Road Ambulance Services if Insured Person is required;
i. to be transferred to the nearest Hospital following an emergency (namely a sudden, urgent, unexpected occurrence or event,
bodily alteration or occasion requiring immediate medical attention)
ii. or from one Hospital to another Hospital
iii. of from Hospital to Home (within same City) following Hospitalization
Insured Person shall bear specified percentage of admissible Claim amount under each and every Claim If Optional cover of
Co-payment is opted for.
8. Organ Donor Expenses
Pays for Medical Expenses towards organ donor’s Hospitalization for harvesting of the donated organ where an Insured Person is
the recipient, provided that;
u The organ donor is any person whose organ has been made available in accordance and in compliance with The Transplantation
of Human Organ (amendment) Act, 2011, Transplantation of Human Organs and Tissues Rules, 2014 and other applicable
laws and rules.
u Hospitalization Claim under Section A1 is admissible under the Policy
u The Organ Donor’s Pre-Hospitalization and Post-Hospitalization expenses are excluded under the Policy
u Any other Medical Expenses or Hospitalization consequent to the harvesting is excluded under the Policy
Insured Person shall bear specified percentage of admissible Claim amount under each and every Claim If Optional cover of
Co-payment is opted for.
9. Alternative Treatments
We will pay Medical Expenses on Hospitalization of Insured Person for following Alternative Treatments prescribed by Medical
Practitioner
u Ayurvedic
u Unani
u Siddha
u Homeopathy
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provided that;
i. The procedure performed on the Insured Person cannot be carried out on Outpatient basis
ii. The treatment has been undertaken in a government Hospital or in any institute recognized by government and/or accredited by
Quality Council of India/National Accreditation Board or authorised medical council of the respective country/state as applicable
iii. In the event of admissible Claim under this Cover, no Claim shall be admissible for Allopathic treatment of same Illness or Injury
Insured Person shall bear specified percentage of admissible Claim amount under each and every Claim If Optional cover of
Co-payment is opted for.
10. Air Ambulance Cover
Pays for Air Ambulance transportation in an airplane or helicopter for Emergency Care which requires immediate and rapid ambulance
transportation as prescribed by a Medical Practitioner, from the site of first occurrence of the Illness/ Accident to the nearest Hospital,
that ground transportation cannot provide
Exclusion:
We will not pay for return transportation to the Insured Person’s home by air ambulance
11. Recovery Benefit
Pays as specified amount upon Medically necessary hospitalization of an Insured Person exceeding 10 consecutive and continuous
days and for which Claim is admissible,
This benefit is not applicable if Medical treatment is taken under Home Healthcare and Domiciliary Hospitalization
12. Sum Insured Rebound
Pays an amount equivalent to the admissible Claim amount, subject to maximum of Basic Sum Insured, on subsequent Hospitalization
of the Insured Person during Policy Year subject to;
i. Total of Basic Sum Inured under Hospitalization Cover, Cumulative/Extended Cumulative Bonus (if applicable) earned and
Sum Insured Rebound will be available to all Insured Persons for all claims under Section A during the current Policy Year and
subject to the condition that a single claim in a Policy Year cannot exceed the sum of Basic Sum Insured and the Cumulative/
Extended Cumulative Bonus (if opted) earned
ii. In case of treatment for Chemotherapy and Dialysis, Sum Insured Rebound will be applicable only once in lifetime of Policy
i. This cover will be applicable annually for policies with term more than one year.
ii. Any unutilized amount of Sum Insured Rebound cannot be carried over to next Policy Year or Renewal Policy
iii. The Sum Insured Rebound can be utilized for Claims under Hospitalization Cover only.
Illustration
Time Claim no. Sum Insured Cumulative Admissible SI Rebound Total SI Payable
available Bonus Claim amount Rebound till amount
date
3 months 1 3,00,000 30,000 2,50,000 0 0 2,50,000
6 months 2 50,000 30,000 1,40,000 2,50,000 2,50,000 1,40,000
= 250,000
9 months 3 0 0 2,50,000 - 60,000 + 3,00,000 2,40,000
50,000
=240,000
11 months 4 0 0 70,000 0 3,00,000 0
SECTION B: RENEWAL BENEFITS
1. Cumulative Bonus
On each Renewal of the Policy with Us, 10%/ 25% of Basic Sum Insured under expiring Policy shall be applied as Cumulative
Bonus in the Policy provided that;
1. There has been no claim under the Policy in expiring year under Section A
2. Cumulative Bonus will be reduced at the same rate as accrued in the event of admissible Claim under Section A of the Policy.
3. Cumulative Bonus can be accumulated upto100% / 200% of Basic Sum Insured.
4. Cumulative Bonus applied will be applicable only to Insured Person covered under expiring Policy and who continue to remain
insured on Renewal.
5. In case of multiyear policies, Cumulative Bonus that has accrued for the second and third Policy Year will be credited on
Renewal. Accrued Cumulative Bonus may be utilized in case of any Claim during Policy tenure
2. Preventive Health Check-Up - Booster
Insured Person will be entitled for Health Check up every year, at our Network Service Provider as per list of tests given below
irrespective of Claims made under the Policy.
List of Tests
Chest X Ray, 2D Echo/ Stress test, PSA for Males, PAP smear for Females, Medical Examination Report, Complete Blood
Count Urine R, Fasting Blood Sugar, Serum Creatinine, Lipid Profile, Electro Cardio Gram
u This benefit will not be carried forward if not utilized within 60 days of Policy Anniversary/Renewal date.
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